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Tax Set-Aside Calculator

the number that stops April from hurting

Nobody withholds tax from a creator payout. You are the payroll department. Put in what you earn and this tells you what percentage to move into a separate account every single time you get paid — and what your four quarterly payments look like.

What you earn (gross, before the platform's cut)
Platform cut %

Most subscription platforms take 20%. Use yours.

Business expenses / month

Gear, software, content costs, home-office share.

Filing status
Federal income-tax rate %

Your effective rate on this income, not your bracket. 10–12% is typical up to ~$60k profit; 15–22% above that.

State income-tax rate %

0 in NV, TX, FL, WA, WY, SD, TN, AK, NH. Otherwise your state's rate on this income.

Advanced
Social Security wage base ($)

The 12.4% Social Security part of self-employment tax stops at this amount of profit each year. The IRS updates it every year — check the current figure if you earn near it.

SET ASIDE FROM EVERY PAYOUT
—
of each payout, moved to a separate account the day it lands. That is — of every $100.
Gross for the year—
− platform cut—
− expenses—
Net profit (what gets taxed)—
Self-employment tax (15.3%)—
Federal income tax (est.)—
State income tax (est.)—
Total tax for the year—
What you actually keep—
Quarterly estimated payments (IRS Form 1040-ES)
Q1 · due Apr 15
—
Q2 · due Jun 15
—
Q3 · due Sep 15
—
Q4 · due Jan 15
—

Pay at irs.gov/payments → "Estimated tax". If a due date falls on a weekend or holiday it moves to the next business day. Your state may want its own quarterly payments too.

prof's note

—

This is an estimate for planning, not tax advice. It uses the 15.3% self-employment rate on 92.35% of net profit, the half-of-SE-tax deduction, and the effective rates you enter; it does not model the standard deduction, the QBI deduction, credits, or other income. Real numbers depend on your full situation — confirm with a CPA who works with creators. Read the creator tax guide and what your 1099 means.

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